if you were impacted by hurricane sandy, give us a call. our first call comes from elizabeth in dover, mass., on the line for independents. caller: thank you for taking my call. i have a point raised by geological professors. my background is in climate science. i think the house needs to act on this bill may be even before the fiscal cliff issues and not allowed to impede the relief efforts. we need to take the larger view. i am disappointed climate was not a bigger issue in the election. should fema and the federal government be in the business of insuring coastal properties due to be wiped out by future hurricanes? people need to consider the rebuilding efforts should be done in land on higher ground with greater thinking by the army corps of engineers. guest: elizabeth is referring to the national flood insurance program. the federal government provides flood insurance for people who live in high-risk areas. many people argue there is an incentive for people to live in at risk areas in the federal government is paying for people to live